Masthaven Finance

About Masthaven Finance

Masthaven Finance has a history that goes back further than most. Andrew Bloom founded the business in 2004, starting from a specialist bridging and development finance background before eventually obtaining a banking licence in 2016 and expanding into savings and retail mortgages. The business was acquired in 2020, which took it in a different direction — one Bloom was candid about being uncomfortable with. When the opportunity arose to buy back the bridging and development finance book, along with the intellectual property rights, he took it.

Since returning to the helm, the business has refocused squarely on specialist lending. The financial year to June 2025 was a record year for Masthaven Finance Group, and the signing of a new office lease in Camden, London, signals that the expansion planned for the next phase is already underway. Enhanced bridging products with lower rates are planned, alongside new development finance products covering ground-up, commercial and residential conversions. A first public securitisation is targeted for 2027.

Masthaven's approach to underwriting has remained consistent throughout its 20-year history: manual assessment, no tick-box criteria, and a team that builds lasting intermediary relationships rather than processing volume. Sales director Jim Baker and CEO Andrew Bloom both emphasise that service and speed are the unchanged foundations — while technology, data and credit analytics have become increasingly useful in how decisions are structured.

Bridging Loans from Masthaven Finance

Masthaven lends from £50,000 to £2 million on bridging, with terms up to 12 months and LTVs up to 75%. Rates from 0.89% per month. Both regulated and unregulated products are available, covering first and second charge facilities. All applications go through intermediaries. Development finance is available alongside bridging via dedicated product lines.

What Can Masthaven Finance?

• Residential bridging — purchase, refinance, chain break
• Regulated bridging for owner-occupied scenarios
• Second charge bridging loans
• Light and heavy refurbishment
• Small-scale development and conversion
• Borrowers with adverse or complex credit profiles

How to Apply with Masthaven Finance

Masthaven works through registered intermediaries only. Enquiries can be directed to [email protected] or by calling 020 3910 8700. The team is based at their Camden, London offices and operates Monday to Friday during standard business hours.